So a 6 month deal makes those range from 14%-18% plus fees, as I double the points and lump them into the APR. 

In general:-Always always always have primary residence first because when selling, first 500k (MFJ) is guaranteed tax-free-To become RE investor you do NOT even need to have rental, your primary is actually the best investment due to regulation above- In a decade, most houses are doubled or tripled in value if you bought at hot area.- When you plan to buy rental, buy rental that's cheaper than your primary- Depreciation is captured from building only on the first tax year so your example almost not possible in real world scenario- The PAL is extremely useful when you have other RE investments, this is what RE pro keeps doing to avoid large tax gains, for example if you have 5 syndication and 1 syndication post a hefty gain, the other 4 syndication PAL is used to offset that gain. 

Now double check this, but if the mortgage is paid down to a balance of 72k after the 5 years, you will have an LTV of about 71%.

Maybe: a: Get a real estate license and earn a commission.b: Double-close on the property. 

People have been investing successfully for decades, even when interest rates were in the double digits.

I doubled my rent by switching from LTR to MTR and don't have the headaches of STR.

For instance South side of Chicago is a huge area your not going to build new construction the cost to build those awesome brick two flats would be close double to what you can buy them for now and the land is free..

They once hit me with a 700.00 fee on a double vacant lot.   

In many cases, they are asking for double or triple what a RE agent would make on gross commission and they have no fiduciary responsibility to anyone.

I have done a stack this year, doubling my first REI purchase in 2021 so now up to 3 units.